California Community Bank in Escondido, California (CA)

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California Community Bank
GeneralFDIC Certificate #: 57533
Status: Active
Federal Reserve ID: 3206399
Date Established: August 11, 2003
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: No)
FDIC's unique #: 365160
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: August 11, 2003
Last Structure Change Effective Date: May 28, 2007
Last Structure Change Process Date: May 30, 2007
Last Data Update: May 30, 2007
Data Source Date: April 05, 2012
LocationAddress: 1320 West Valley Parkway, Suite 301, Escondido, CA 92029
County: San Diego
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: San Francisco
FDIC Field Office: Orange
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Metropolitan Statistical Area (MSA): San Diego, CA (#7320)
Core Based Statistical Area (CBSA): San Diego-Carlsbad-San Marcos, CA (#41740)
CBSA Metro Statistical Area: San Diego-Carlsbad-San Marcos, CA (#41740)
History of ChangesChange in Location
Financial SummaryTotal assets: $243.8 mil
Equity capital: $25.8 mil
Deposits held in domestic offices: $217.1 mil
Return on assets (ROA): 0.37% ($0.9 mil)
Quarterly return on assets: 0.29% ($0.7 mil)
Return on Equity (ROE): 3.43% ($0.9 mil)
Quarterly return on equity: 2.73% ($0.7 mil)
Net income: $0.9 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.65% ($1,584.5 mil)
Quarterly Pretax return on assets: 0.54% ($1,316.4 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)40
Total assets$243,775
Cash and due from depository institutions$63,149
Interest-bearing balances$59,061
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$156,345
Loan loss allowance $3,342
Trading account assets$0
Bank premises and fixed assets$317
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$4,262
Life insurance assets$243,775
Total liabilities and capital$217,974
Total liabilities$217,128
Total deposits$167,551
Interest-bearing deposits$217,128
Deposits held in domestic offices$86
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $846
All other liabilities $25,801
Total equity capital$25,801
Total bank equity capital$25,801
Perpetual preferred stock$0
Common stock$24,875
Undivided profits $113
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $4,099
Earning assets $0
Long-term assets (5+ years) $483
Average Assets, year-to-date $235,108
Average Assets, quarterly $90,070
Volatile liabilities $236,358
Insider loans $242,678
FHLB advances $169,605
Loans and leases held for sale $246,131
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $25,152
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $53,992
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,723
Total interest expense $1,702
Net interest income $8,021
Provision for loan and lease losses $485
Total noninterest income $432
Fiduciary activities $0
Service charges on deposit accounts $287
Trading account gains & fees $0
Additional noninterest income $145
Total noninterest expense $6,430
Salaries and employee benefits $3,532
Premises and equipment expense $1,178
Additional noninterest expense $1,720
Pre-tax net operating income $1,538
Securities gains (losses) $0
Applicable income taxes $674
Income before extraordinary items $864
Extraordinary gains - net $0
Net income attributable to bank $864
Net charge-offs $0
Cash dividends $864
Sale, conversion, retirement of capital stock, net $127
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.28%
Cost of funding earning assets 0.75%
Net interest margin 3.53%
Noninterest income to earning assets 0.19%
Noninterest expense to earning assets 2.83%
Net operating income to assets 0.37%
Return on assets (ROA) 0.37%
Pretax return on assets 0.65%
Return on equity (ROE) 3.43%
Retained earnings to average equity (YTD only) 3.43%
Net charge-offs to loans 0.08%
Credit loss provision to net charge-offs 381.89%
Efficiency ratio15.93%
Assets per employee$76,068
Cash dividends to net income (YTD only)6.09%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.09%
Noncurrent assets plus other real estate owned to assets 81.53%
Noncurrent loans to loans 1.68%
Net loans and leases to deposits2.57%
Net loans and leases to core deposits 72.01%
Equity capital to assets 76.54%
Core capital (leverage) ratio 10.58%
Tier 1 risk-based capital ratio 10.22%
Total risk-based capital ratio 14.83%
Average assets$16
Average earning assets$236,358
Average equity $25,223
Average loans $227,092
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5 California Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0365160California Community Bank1320 West Valley Parkway, Suite 301, Escondido, CA 92029August 11, 2003Full Service Brick and Mortar
1433592Vista Branch905 S. Santa Fe Avenue, Vista, CA 92084December 21, 2004Full Service Brick and Mortar
2463360Escondido Branch1334 West Valley Parkway, Suite 402, Escondido, CA 92029May 28, 2007Full Service Brick and Mortar
3465477Miramar Office Branch8996 Miramar Road Sutie 100, San Diego, CA 92126December 15, 2006Full Service Brick and Mortar
4478454Encinitas Office Branch851 S Coast Highway 101 Ste 300, Encinitas, CA 92024June 16, 2008Full Service Brick and Mortar
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